Q. Can I be approved if I have bad or no credit?

A. Bad credit, no credit, it's okay. Your chances of approval are 98%. We have one of the highest approval rates in the industry.

Q. Can I get a merchant account if I am not in the U.S.?

A. We only supply you with a merchant account if you reside in the U.S., or your business has established a presence in the U.S.

Q. Is there an application fee?

A. NO! Although you may have seen other companies charging $150 to $250 or more for application fees, we don't charge you a penny. We're confident that we will help you get approved.

Q. How can I apply?

A. You can apply on-line, by phone (number shown below), or you may print out the on-line application form and fax it or mail it in. Whichever you prefer. By filling out the on-line application and pressing the submit button, your application is automatically emailed to us. You will receive a response from a Merchant Account Services Representative within 1 business day. We can have you accepting credit cards in 3 to 10 business days depending on which merchant option you decide on.

Q. Shouldn't I just get a merchant account through my bank?

A. If your local bank will assist you in getting your own merchant account, you may very well choose to use them. However, in most cases banks turn down home-based, internet, mlm, mail-order, and other small businesses because they are "high-risk". In rare instances that a bank may approve a home business you will probably find that they will charge application fees and higher rates.

Q. What is a discount or percentage rate?

A. The discount or percentage rate is the "percentage" of the total of your sale that you are charged per each transaction. For example, with a swipe terminal we have discount rates as low as 1.30%. With the 1.30% scenario, if you sold an item for $20, you would be charged .26 cents as the discount, or percentage rate. Your discount rate depends upon the type of merchant account option you choose, as well as what type of business you have, your monthly volume, and other factors. Our discount rates range from 1.30% to 2.95%.

Q. How does the money get put in to my checking account?

A. We have a speedy transfer of funds process! With a virtual terminal, or swipe terminal your funds are automatically deposited in to your account within 48 to 72 hours.

Q. What is a "real-time" virtual terminal?

A. Virtual terminals allow merchants the ability to process their customers credit card orders instantly via an on-line secure form. Simply point your browser to the url we provide you with, enter your password and type in your customers orders. Hit the submit button and have verification within 5 seconds! It's that easy! This is the perfect solution for anyone with an internet connection. No signatures or imprints required!

Q. What if I have more ?'s

A. Feel free to email us at [email protected].